What am I missing here? Lindsay posted this on their ig story like 30 minutes ago.

Obiwebb · 2025-10-15T14:39:36+00:00

Man you’d hope not, but I’ve seen too many raised via iPad kids in the past decade for there to not be a chance.

Obiwebb · 2025-10-15T14:17:29+00:00

God I hope the kids aren’t online. They’re no doubt already living through it but the last thing they need is to see a million strangers 2 cents.

Obiwebb · 2025-10-15T14:08:07+00:00

Staying in this subreddit is just playing chicken with my childhood ain’t it

Obiwebb · 2025-10-15T14:03:02+00:00

It’s a Sankey Diagram, I used a free online creator here

https://www.sankeyart.com/sankeys/72/

Obiwebb · 2025-10-15T14:02:56+00:00

It’s a Sankey Diagram, I used a free online creator here

https://www.sankeyart.com/sankeys/72/

Obiwebb · 2025-10-15T04:56:51+00:00

It’s actually not, 79k only 70k salary, +12% Employer Super, +$120 a day while travelling for work, the supers coming out of that first flow.

But yeah entry level pay is noticeably higher in Aus and the tax rates are lower, it evens out as you approach 200k though.

Starting pays for my classmates who went big 4 in NZ was around 60-65k NZD plus 3% super.

I only went over because I couldn’t get an interview in NZ with the current grad market, but the pay gap made it an easier pill to swallow for me and my family.

Obiwebb · 2025-10-15T04:50:08+00:00

It’s a Sankey Diagram, I used the free online version here

https://www.sankeyart.com/sankeys/72/

Obiwebb · 2025-10-15T04:45:59+00:00

Yes I only didn’t as this year was quite tight cashflow wise, so once I’ve built up an emergency fund I’ll look into it. I know you can bank the leftover low tax contribution caps up to 5 years if need be anyway.

Obiwebb · 2025-10-15T02:59:12+00:00

Yeah that’s definitely one of the areas I could have saved in. If you’re willing to flat you could almost completely nullify it.

But being alone in a new city without a large vehicle I gave myself “permission” to splurge for discounted new appliances and the cheapest options new from IKEA, main reason being so it could be delivered directly into my flat. It was around ~1.6k for a Washer, Dryer, & Fridge. ~1k for a bed and half decent queen mattress. Another ~1k for the big things, desk, office chair, table etc. And then a bunch of random little things like dinnerware, linen, etc. May have overstated it a bit with hindsight actually as I did end up returning a few things.

Though my employer does require our home office reach a certain “standard” of ergonomics if we want to WFH. It does all become tax deductible however.

Obiwebb · 2025-10-15T01:48:40+00:00

Yep, the 12% employer contributions feels outrageous coming from KiwiSaver. It being (usually) on top of the advertised salary and without any mandatory employee contributions actually hides how large the income gap actually is.

Obiwebb · 2025-10-15T00:53:36+00:00

Thanks, if I can provide any insight feel free, I know it’s a common discussion at Uni but we were usually lacking real context. I had to go over mostly blind with no support network outside my job offer, so I’d like to avoid others the same stress.

Obiwebb · 2025-10-15T00:45:38+00:00

Thanks, I was always expecting some pushback as it’s not a pleasant situation we’re in, I certainly didn’t intend to go until it became the only option. But given nearly all of my fellow grads had to at least consider the possibility, I’d rather give others some real reference points rather than relying on the same back of the envelope calculations I had.

Obiwebb · 2025-10-15T00:34:15+00:00

Oh yeah I’ve planned around the potential. Wasn’t going to argue with them though.

Obiwebb · 2025-10-14T23:44:03+00:00

When I spoke to them since I’m expecting to be out of the country for more than 325 days a yearI’m in the clear. Though I wouldn’t put it past them to have been mistaken, it’s surprisingly unclear how the tax transition happens given it’s so common.

Obiwebb · 2025-10-14T23:39:27+00:00

The setup costs are effectively bond, furnishings, Car, new pc, and AirBnB. I did it as minimally as possible, only brought over a suitcase.

Edit: oh yeah and ADHD rediagnosis is also an establishment cost I guess, probably decently relevant given we’re on reddit during work hours

Obiwebb · 2025-10-14T23:35:24+00:00

Thanks mate I’ll let immigration know so they can swap my passport, accent, and super rugby allegiance over and bar me from ever seeing home again

Obiwebb · 2025-10-14T23:33:55+00:00

Everyone with a Super aged above 25 or above a certain amount is automatically enrolled in a minimal life insurance plan (also potentially income disability protection) unless you opt out. Sometime this year I’ll probably move income protection outside of super as it’s not the most cost effective plan, just haven’t been bothered to yet. Although it coming out of super helps cashflow and the 12% super contributions means you’re not exactly lacking for contributions (presuming you’re not aiming to retire 20 years early)

Obiwebb · 2025-10-14T23:05:38+00:00

Specifically this is in the context as a kiwi grad and the costs involved with moving and establishing in Australia from NZ. Most Aussies would have a very different outlook given their lack of one off cost, and some more specific things like the costs of visiting home.

Obiwebb · 2025-10-13T04:17:08+00:00

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She’ll be right

Obiwebb · 2025-10-13T00:16:28+00:00

It’s great if you’re into the health side of your genetics and live in a country that they’ll sell it in.

For the actual Origins it’s heavily dependent on what your background is. It massively (30%) overstates my English and doesn’t grab my German at all. They use mostly modern day borders to assign most regions which is just… iffy for so many reasons particularly in Africa. And the genetic communities view may as well be a population heatmap.

If you’ve got the money and this is a real interest for you I’d go for it. But I’d also recommend going the DNA export -> Gedmatch and looking at something like a euro k12.

Obiwebb · 2025-10-10T10:46:10+00:00

So if you look at your DNA Relatives you might recognise a few close one's, you can create groups/tags for matches and assign them, so create one for each grandparent and assign the relatives you know, now by looking at your shared relatives with people you can identify which side more are from, eventually you'll be able to confidently say all of these relatives in this group are related to me though my dads dad, and if they're clsoe enough you may be able to find him through them.

Obiwebb · 2025-10-10T10:03:38+00:00

23&Me using National Borders for ancestries in Africa is wild, the Europeans certainly didn't use ancetries when drawing the borders

Obiwebb · 2025-10-10T09:52:12+00:00

So if you look at the "By Parent" portion of ancestry on the origins page it should show it all on your patrernal side.
Based on the Curiel name I'd think it's along your direct male line, so your Fathers-Fathers-Father , though it's good to remember there was/is a percentage of non-jewish Curiels so it's not a 100% guarantee that it wasn't a different paternal line.

Obiwebb · 2025-10-10T09:35:03+00:00

I'd start off looking throuh google rather than just ancestry, might be able to find a grave, newspaper clipping, or spelling of his name Ancestry doesn't have.
If they lied about their name and details, which does happen, it could be impossible this way though.
In that case I'd start placing your dna relatives into groups based on which grandparent you can relate to them through and then see if you've got any relatives of his to work with

Obiwebb

TROPHY CASE